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San Diego downtown real estate broker

Bob Schwartz, CRS, GRI 

Certified Residential Specialist



San Diego, California 92101

Telephone - Cell:
(619) 300-8819

(619) 229-0048

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Counting Your Dollars

By Bob Schwartz, CRS, GRI 2005 All rights reserved.

Choosing to move into a home is more than just getting on the right spot. More significant than any part of the real estate business are the investments and finances that are a part of the process. If you are looking at any type of property, you will want to spend some of your time becoming familiar with the financial options that are available to you.

The first set of terms you will want to become familiar with is with loans. There are several types of loans and arrangements of loans that are available to you. Be wary, however, because you can end up spending more than you want or need to with particular types of investments. You will want to know how the loans are divided, unerringly what you will be paying on, and how this will affect your investment in the real estate.

After this, you will want to look into your personal finances in order to see how they will work out with the loans. If you have other loans, such as car loans or student loans, it is important to factor them into what you will be paying with your home loan. You will also want to asses things such as your credit report and your financial plan. Your financial history and your current status makes a large difference in what you are able to pay on a property.

If you aren't finding something that fits perfectly, it will simply be a matter of changing the rules a little. Even though you will mostly be looking at the ways you will be spending money and how this will change your lifestyle, you can also look at ways to deduct the money back off of your investment. There are options for deductions off of taxes and investment deals to assist you, for example, if you need to cut back expenses for a while.

More than the ability to pay thousands of dollars every month is the reassurance you have gotten into the right deal. Comprehending and assessing your situation to see how it will fit into a loan plan will make a great difference in the type of investment you make. Before putting your money somewhere else, you should always make sure that it is a place you won't regret.



Bob Schwartz, is a Certified Residential Specialist, CA licensed real estate broker with Bob has over 27 years of residential real estate experience, authored a number of published articles and served as an expert witness for San Diego lawyers. You can contact Bob via e-mail at or visit his highly popular San Diego real estate website at:
This work is protected under copyright and may not be published in other works without express written permission from Promotions Unlimited or the following procedures are implemented: Please feel free to publish this article (as long as no changes are made (all hyper-links to remain and not be modified in any way) and the author's name and site URL's are retained) in your ezine, newsletter, offline publication or website. A copy would be appreciated at Click here to email Bob


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